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Mumbai
vikhroli
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in vikhroli

Vikhroli is an upmarket neighborhood located on the northeastern side of the city. The locality has a railway station by the name Vikhroli on the Central railway line. This place is known to be the home of one of the largest mangrove forests in Mumbai, Maharashtra, and gets the attention of many tourists. There are many employment hubs nearby. Not only that there are a handful of business parks that offers employment. Due to this reason, people from all over the city come here to work. Working-class of this locality often depends on the gold loan in Vikhroli for their financial needs. There are plenty of prestigious educational institutions like the Indian Institute of Technology Bombay, ICFAI Business School, and Orchids, the international school. This neighborhood is well-connected by the Mumbai-Agra Expressway.
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Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

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Frequently asked questions

How is gold appraisal done at home for online gold loan?

Once your loan request has been placed, a Rupeek executive immediately gets in touch with you to schedule a visit at a location and time of your choice. Upon arrival, the loan appraiser appraises your gold and ornaments right in front of your eyes and KYC documents details such as the price and weight of your jewelry or ornament, and ascertain the purity of your gold by conducting certain industry-standard tests. Fret not, for this will be done right in front of your eyes and Rupeek guarantees you that utmost care will be taken while appraising your gold. These observations are then conveyed to the loan approval team who will then transfer your loan amount to your account within 10 minutes!

Can I transfer my loan from my existing lender?

Rupeek offers its borrowers with an option to transfer their loan from the existing lender to another lender. A borrower may wish to transfer their loan from one lender to another in the middle of the term. It might be the lower interest rate, higher loan amount, better security of their collateral, or the flexible repayment options that another lender provides that they found attractive. If you wish to transfer your loan, rest assured that the process is not complicated. As soon as the borrower requests for the renewal amount, Rupeek will see to it. If it is to Rupeek that you have transferred your amount, you have your collateral as well as your document in safe hands that also provide one of the best services in the industry. 
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